U.S.-based credit cards

RBC Bank Visa Credit cards with great RBC Rewards

Not only can you avoid foreign transaction fees when you pay for U.S. purchases, you earn valuable RBC Rewards Points redeemable for travel, merchandise, gift cards, and cash back. Plus, if you plan on moving south, having a U.S.-based credit card will help you build U.S. credit history.


  • There’s no annual fee1 on Visa Signature Black and Visa Platinum Credit cards
  • Use the “Pay Now” feature in Online Banking to make your monthly payment
  • Earn rewards points redeemable for cash back, travel, merchandise, and gift cards
  • Pool your RBC Rewards Points with family and friends who have an RBC Bank credit card or transfer2 your RBC Rewards Points to your Canadian card


  • Travel accident insurance3, including roadside assistance
  • Emergency cash and card replacement, plus Visa’s Zero Liability Policy4 to protect you from liability in the event of fraudulent use


‡ All other trademarks are the property of their respective owners. Cards are subject to credit approval.
All insurance is subject to limitations and exclusions.
1 Additional credit card transaction fees apply as follows: Balance Transfers—Either $10 or 3% of the amount of each transfer, whichever is greater (after the end of the introductory period, the maximum fee is $99). The Balance Transfer fee has no maximum during the introductory period (first 6 monthly billing cycles); thereafter, this fee will be a maximum of $99 per Balance Transfer. Cash Advances—Either $5 or 3.5% of the amount of each Cash Advance, whichever is greater. Foreign Transaction Fee—1.5% of the U.S. dollar amount of foreign transaction regardless of whether the transaction is made in U.S. dollars or in a foreign currency (exceptions: Puerto Rico and the U.S. Virgin Islands). Late Payment Fee—up to $35. Returned Payment Fee—up to $35.
2 When transferring points, points are converted at a 2 to 1 ratio from RBC Bank to Royal Bank of Canada – meaning for every 2 RBC Rewards points transferred from your RBC Bank account, you will receive 1 RBC Rewards point from Royal Bank of Canada. Once points are transferred, points will be guided by the Terms and Conditions of the RBC Rewards Program at Royal Bank of Canada. For complete terms, conditions and restrictions that apply to the RBC Rewards program, please visit www.rbcbankrewards.com or call 1-888-257-6837.
3 All insurance is subject to limitations and exclusions. Insurance products are offered by Visa and are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.
4 Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to commercial credit cards, ATM transactions, or PIN transactions not processed by Visa. Cardholder must notify card issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.rbc.com/security.